Idaho Medicare Zvirongwa muna 2021

Zvemukati

• Chii chinonzi Medicare?
• Chikamu A
• Chikamu B
• Chikamu C
• Chikamu D
• Medigap
• Medicare account yekuchengetedza
• Ndeapi maMedare eAdvantage zvirongwa zviripo muIdaho?
• Ndiani anokodzera Medicare muIdaho?
• Ndingaite rini kunyoresa muMedicare Idaho zvirongwa?
• Matipi ekunyoresa muMedare muIdaho
• Idaho Medicare zviwanikwa
• Chii chandinofanira kuita zvinotevera?

Medicare inoronga muIdaho inopa inishuwarenzi yehutano kune vanhu vane makore makumi matanhatu nemashanu zvichikwira, uye kune vamwe vanhu vari pasi pemakore makumi matanhatu nematanhatu vanosangana nezvimwe zvinodiwa. Kune zvakawanda zvikamu kuMedare, kusanganisira:

• yekutanga Medicare (Chikamu A uye Chikamu B)
• Medicare Kubatsira (Chikamu C)
• mapiritsi ekunyora mishonga (Chikamu D)
• Medicare yekuwedzera inishuwarenzi (Medigap)
• Medicare yekuchengetedza account (MSA)

Yekutanga Medicare inopihwa kuburikidza nehurumende yemubatanidzwa. Medicare Kubatsira, kunyorerwa zvirongwa zvemishonga, uye Medigap inishuwarenzi zvese zvinopihwa kuburikidza neyakavanzika inishuwarenzi vanotakura.

Verenga pamusoro kuti udzidze zvakawanda nezve yako Medicare sarudzo muIdaho.

Chii chinonzi Medicare?

Wese munhu anonyoresa muMedare, kusanganisira zvirongwa zveMedare zvinobatsira, anofanira kutanga asainira Chikamu A uye Chikamu B kufukidzwa.

Chikamu A

Chikamu A hachina mubhadharo wemwedzi wega wevanhu vazhinji. Iwe uchabhadhara inobvisirwa pese paunogamuchirwa muchipatara. Inovhara:

• chipatara chekuchengetwa kwechipatara
• kutarisirwa kushoma pazvivakwa zvekuyamwisa vane hunyanzvi
• kutarisira varwere
• imwe imba yehutano

Chikamu B

Chikamu B chine bhajeti yemwedzi nemwedzi uye inobviswa pagore. Paunenge uchinge wasangana neyakabviswa, iwe unobhadhara makumi maviri muzana yemari yekusimbiswa kwechero chengetedzo kune yasara yegore. Inovhara:

• kurapwa kwekuchipatara kwekunze
• kusarudzwa kwechiremba
• kuchengetedzwa kwekudzivirira, senge kuongororwa uye kushanya kwehutano hwepagore
• lab miedzo uye imaging, senge X-ray

Chikamu C

Medicare Advantage (Chikamu C) zvirongwa zvinowanikwa kuburikidza neyakavanzika inishuwarenzi vanotakura avo vanounganidza zvikamu A uye B, uye kazhinji Chikamu D zvinobatsira uye mamwe marudzi evhavha.

Chikamu D

Chikamu D chinodhira mari yemushonga uye inofanirwa kutengwa kuburikidza nehurongwa hweinishuwarenzi hwakavanzika Mazhinji zvirongwa zveMedare zvinobatsira zvinosanganisira chikamu cheD.

Medigap

Zvirongwa zveMedigap zvinowanika kuburikidza neakazvimiririra einishuwarenzi anotakura kuti ubatsire kuvhara zvimwe zvekuchengetwa kwako, nekuti yekutanga Medicare haina muganho wekunze-kwehomwe. Aya marongero anongowanikwa chete neyekutanga Medicare.

Medicare account yekuchengetedza

Medicare mari yekuchengetedza maakaundi (MSAs) akafanana neakaundi ekuchengetedza maakaundi nemitero-inobvisirwa madipoziti ayo anogona kushandiswa kune anokodzera marapirwo emari, kusanganisira yekuwedzera Medicare chirongwa chepuramu uye kutarisirwa kwenguva refu. Aya akaparadzaniswa neakavanzika maMedare ekuchengetedza maakaundi, uye ane yakatarwa mitero mitemo yekudzokorora uye kunzwisisa usati wasaina.

Ndeapi maMedare eAdvantage zvirongwa zviripo muIdaho?

Inishuwarenzi vatakuri vanopa Medicare Advantage zvirongwa zvebvumirano neCenters yeMedicare & Medicaid Services (CMS) uye vanopa kufukidzwa kwakafanana seyekutanga Medicare. Zvakawanda zvezvirongwa izvi zvakare zvine kufukidzwa kwezvinhu zvakaita se:

• mazino
• chiratidzo
• kunzwa
• kufambisa kuenda kunzvimbo dzekurapa
• dhiri rekudya kumba

Imwe bhenefiti yeMedicare Advantage zvirongwa ndeyegore kunze-kwe-muhomwe kushandisa muganho wemadhora mazana matanhatu nemakumi manomwe nemazana manomwe - mamwe marongero ane mitsara yakaderera. Mushure mekusvika pamuganhu, chirongwa chako chinobhadhara zana muzana yemitengo yakavharirwa kwegore rese.

Medicare Kubatsira zvirongwa muIdaho zvinosanganisira:

• Hutano Kuchengetedza Sangano (HMO). Chiremba wekutanga wekuchengeta (PCP) waunosarudza kubva kunetiweki yevanopa vanozotungamira tarisiro yako. Iwe unoda kutumirwa kubva kuPCP yako kuti uone nyanzvi. HMOs dzine mitemo sevapi vanopa uye zvivakwa zvaunofanira kushandisa mukati metiweki yavo, uye pre-tendero inodikanwa, saka verenga uye uteedzere mitemo zvakanyatsonaka kuti uve nechokwadi chekuti hauna kurohwa nemari isingatarisirwi.
• HMO Pfungwa Yebasa (HMO-POS). Iyo HMO ine poindi yebasa (POS) sarudzo inokutendera iwe kuti utarisirwe kunze kwenetiweki kune zvimwe zvinhu. Iko kune zvimwe zvekubhadhara mari zvekunze-kwe-network POS kutarisirwa. Zvirongwa zvinongowanikwa mune mamwe madhorobha eIdaho.
• Anosarudzika Provider Sangano (PPO). Uine PPO, unogona kuwana rubatsiro kubva kune chero mupi kana chivakwa muPPO network.Iwe haudi kutumirwa kubva kuCPP kuti uone nyanzvi, asi ichiri zano rakanaka kuva nachiremba wekutanga wekutarisira. Kuchengeta kunze kwenetiweki kunogona kudhura kana kusakwanisa kuvharwa.
• Yakavanzika Mari-Yebasa (PFFS). PFFS inoronga kutaurirana zvakananga nevapihwa uye zvivakwa kuti vaone zvaunokwereta zvekuchengetwa Vamwe vane vanopa network, asi vazhinji vanokutendera kuti uende kuna chero chiremba kana chipatara chinogamuchira chirongwa ichi. Zvirongwa zvePFS hazvigamuchirwe kwese kwese.
• Zvirongwa Zvakakosha Zvezvirongwa (SNPs). SNPs muIdaho dzinopihwa mune mamwe matunhu uye dzinongowanikwa chete kana iwe uchikodzera zvese zviri zviviri Medicare neMedicaid (vaviri vanokodzera).

Iwe unogona kusarudza Medicare Advantage zvirongwa muIdaho kubva:

• Aetna Medicare
• Bhuruu Muchinjikwa weIdaho
• Humana
• MediGold
• Molina Healthcare yeUtah & Idaho
• PacificSource Medicare
• Regence BlueShield yeIdaho
• SarudzaHutano
• UnitedHealthcare

Zvirongwa zviripo zvinosiyana zvichienderana nedunhu rako rekugara.

Ndiani anokodzera Medicare muIdaho?

Medicare muIdaho inowanikwa kuvagari vekuU.S. (kana vagari vepamutemo kwemakore mashanu kana anopfuura) vane makore makumi matanhatu nemashanu zvichikwira. Kana iwe uri pasi pemakore makumi matanhatu nemashanu, iwe unogona kunge uchikwanisa kuwana Medicare kana iwe:

• akagamuchira Social Security kana Railroad Retirement Board kuremerwa kwemwedzi makumi maviri nemana
• vane chirwere chekupedzisira chechirwere (ESRD)
• ndine amyotrophic lateral sclerosis (ALS)

Ndingaite rini kunyoresa muMedicare Idaho zvirongwa?

Pane dzimwe nguva dzegore apo iwe paunogona kunyoresa mukati kana kushandura Medicare neMedicare Advantage zvirongwa.

• Yekutanga kunyoresa nguva (IEP). Mwedzi mitatu usati wasvitsa makore makumi matanhatu nemashanu, unogona kunyoresa muMedare kuitira kufukidza iyo inotanga mukati memwedzi wekuzvarwa kwako. Ukasuwa hwindo iro, unogona kunyoresa mukati memwedzi wekuzvarwa kwako kana mwedzi mitatu mushure, asi pane kunonoka kufukidza kusati kwatanga.
• Kunyoresa zvakajairika (Ndira 1 -Kurume 31). Iwe unogona kusainira zvikamu A, B, kana D panguva yekunyorwa kwakawanda kana iwe wakarasikirwa neIEP uye usingakodzeri kune yakakosha kunyoresa nguva. Kana iwe usina kumwe kufukidzwa uye ukasaina kusaina panguva yako IEP, unogona kubhadhara kunonoka kusaina-chirango cheChikamu B uye Chikamu D.
• Vhura kunyoresa (Gumiguru 15-Zvita 7). Kana iwe watove wakanyoreswa kuMedare, iwe unogona kuchinja sarudzo sarudzo panguva yegore yekunyoresa nguva.
• Medicare Kubatsira kuvhura kunyoresa (Ndira 1 -Kurume 31). Panguva yekunyoresa kuvhurika, iwe unogona kushandura Medicare Kubatsira zvirongwa kana kuchinjira kune yekutanga Medicare.
• Yakakosha kunyoresa nguva (SEP). Iwe unogona kusainira Medicare panguva yeSEP kana iwe warasikirwa nekuvhara kwechikonzero chakakodzera, sekubva kunze kwenzvimbo yako yeneti nharaunda kana kurasikirwa nechirongwa chinotsigirwa nevashandirwi mushure mekurega basa. Haufanire kumirira kunyoresa kwegore.

Matipi ekunyoresa muMedare muIdaho

Uine sarudzo dzakawanda dziripo, zvakakosha kuti unyatso kufunga nezvehutano hwako pachako kuti uone kana yekutanga Medicare kana Medicare Advantage iri sarudzo yakanakisa uyezve kuti ungangoda here kuwedzera kwekufukidzwa.

Sarudza chirongwa icho:

• ine vanachiremba vaunoda uye zvivakwa zviri nyore kune kwako nzvimbo
• inovhara masevhisi aunoda
• inopa kufukidzwa zvinodhura
• ine yakakwira nyeredzi chiyero chehunhu uye kugutsikana kwemurwere kubva kuCMS

Idaho Medicare zviwanikwa

Tsvaga mhinduro dzemibvunzo uye uwane rubatsiro neMedare Idaho zvirongwa kubva pane zvinotevera zviwanikwa:

• Vakuru Hutano Inishuwarenzi Bhenefiti Advisors (SHIBA) (800-247-4422). SHIBA inopa rubatsiro rwemahara kune vakuru veIdaho nemibvunzo nezve Medicare.
• Idaho Dhipatimendi reInishuwarenzi (800-247-4422). Ichi chishandiso chinopa ruzivo nezve Yakawedzera Rubatsiro uye Medicare Kuchengetedza Zvirongwa zvekubatsira kubhadhara Medicare kana iwe usingakwanise kuibhadhara.
• Urarame Zvirinani Idaho (877-456-1233). Uku ndiko kudyidzana kwepachena-kwepachena neruzivo uye zviwanikwa nezveMedare nemamwe mabasa evagari veIdaho.
• Idaho AIDS Chirongwa Chekubatsira Chirongwa (IDAGAP) (800-926-2588). Iri sangano rinopa rubatsiro rwemari kune Medicare Chikamu D kufukidza kana uine hutachiwana hweHIV.

• Chii chandinofanira kuita zvinotevera?

  Paunenge wagadzirira kunyoresa muMedare:

  • Sarudza kana iwe uchida iyo yekuwedzera kufukidzwa uye mabhenefiti eiyo Medicare Advantage (Chikamu C) chirongwa.
  • Ongorora marongero aripo mudunhu rako uye neiko kufukidza kwavanopa.
  • Maka makarenda ako eIEP yako kana yekuvhura kunyoresa kuti uzive kana iwe uchigona kusaina.

  Ichi chinyorwa chakagadziridzwa muna Gumiguru 5, 2020 kuratidza 2021 Medicare ruzivo.

  

  Ruzivo ruri pane ino webhusaiti runogona kukubatsira mukuita sarudzo pachako nezve inishuwarenzi, asi haina kuitirwa kupa zano maererano nekutenga kana kushandiswa kweinishuwarenzi kana zvigadzirwa zveinishuwarenzi. Healthline Media haifambise bhizinesi reinishuwarenzi munzira ipi neipi uye haina kupihwa rezenisi sekambani yeinishuwarenzi kana mugadziri mune chero hutongi hweU.S. Healthline Media haina kukurudzira kana kutsigira chero mapato echitatu anogona kuita bhizinesi reinishuwarenzi.